My small business has debt

More bankruptcy and debt situations

• I filed before; can I file again? Filing eligibility, discharge eligibility, and automatic-stay protection are separate questions.
• I received notice of a trustee meeting Follow the notice and trustee’s lawful instructions; this is a required part of many cases.
• Someone offers to erase debt or repair credit for a fee Verify the provider and understand costs and risks before paying or stopping creditor payments.
• My bank account was frozen Act quickly to identify the order and whether protected funds or exemptions are involved.
• The debt came from identity theft Use identity-theft reporting and dispute processes, and separately address any lawsuit.
• Medical bills are overwhelming me Check billing accuracy and available financial assistance while evaluating the broader debt picture.
• There is already a judgment against me Obtain the court record and investigate available relief promptly.
• Should I consider Chapter 7 or Chapter 13? Chapter choice depends on income, assets, debts, goals, and eligibility, not just which seems faster.

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